द्वि-साप्ताहिक मॉर्गेज कैलकुलेटर — सूत्र

## Bi-Weekly Mortgage Payments

Instead of making 12 monthly payments per year, you make 26 half-payments (every two weeks). This effectively adds one extra monthly payment per year.

### Why It Works

- 26 bi-weekly payments = 13 monthly equivalents per year
- That extra payment goes directly to principal
- Reduced principal means less interest charged on subsequent payments

### Savings

- Typically shaves 4-6 years off a 30-year mortgage
- Saves tens of thousands in interest
- Payment amount per paycheck is manageable since it is half the monthly amount

### Implementation

Some lenders offer formal bi-weekly programs (may have fees). Alternatively, you can achieve the same result by adding 1/12 of your monthly payment as extra principal each month.